Companies ยท NAIC 10861
Universal Property & Casualty Insurance Company: complaint record
Universal Property & Casualty Insurance Company (NAIC company code 10861) appears in public complaint data from the insurance regulators in Indiana, Michigan and Illinois. In Indiana homeowners insurance in 2025, it had 13 complaints on $23,668,334 of premiums, a complaint index of 6.25. In Michigan homeowners insurance in 2025, it had 18 complaints on $26,017,163 of premiums written, 0.69 complaints per $1 million.
Indiana homeowners insurance
| Year | Complaint index | Complaints | Indiana premiums |
|---|---|---|---|
| 2025 | 6.25 | 13 | $23,668,334 |
| 2024 | 6.73 | 9 | $20,918,616 |
| 2023 | 5.92 | 8 | $18,207,087 |
| 2022 | 2.67 | 3 | $18,632,141 |
See the full Indiana homeowners list for 2025
Michigan homeowners insurance
| Year | Filed as | Complaints per $1m | Complaints | Premiums written |
|---|---|---|---|---|
| 2025 | Universal Property & Casualty Insurance Company | 0.69 | 18 | $26,017,163 |
| 2024 | Universal Property & Casualty Insurance Company | 0.38 | 7 | $18,297,086 |
| 2023 | Universal Property & Casualty Insurance Company | 0.78 | 6 | $7,708,224 |
See the full Michigan homeowners list for 2025
Other state regulators
Matched by the NAIC code Kansas prints, or by legal name after standard abbreviations are expanded, only when exactly one company matches. Each state measures complaints differently, so compare companies within a state, not across states. With one or two complaints an index or ratio can swing a lot.
| State | Line | Year | Filed as | Measure | Complaints | |
|---|---|---|---|---|---|---|
| Illinois | Homeowners | 2025 | Universal Property & Casualty Insurance Company | 1.1940 complaints per $1M earned premium | 16 | Full list |
| Illinois | Homeowners | 2024 | Universal Property & Casualty Insurance Company | 1.4444 complaints per $1M earned premium | 9 | Full list |
How to read the Indiana complaint index
The Indiana Department of Insurance divides a company's share of complaints by its share of Indiana premiums for the line. 1.00 is average, below 1 means fewer complaints than its size would suggest. Indiana lists only companies with at least one complaint and does not calculate an index (marked DNC) for companies with under $1 million of premiums.
How to read the Michigan complaint ratio
The Department of Insurance and Financial Services divides each company's complaints by its Michigan direct premiums written, in millions of dollars. It publishes ratios only for companies with at least $1 million of premiums, and warns that ratios based on small premium volumes "are highly variable".
How to read the Illinois complaint ratio
The Illinois Department of Insurance lists companies with 5 or more complaints in a line (3 or more for annuities in 2025). For auto and homeowners the ratio is complaints per $1 million of Illinois direct earned premium. For life and health it is complaints per 10,000 policies in force, and for annuities per 10,000 certificates in force. Illinois changed how it counts complaints in 2023 and says "caution should be exercised when comparing complaint counts to prior years".
Figures are for this legal company only. An insurance group may sell through several companies, each with its own record.
Sources
- Indiana Department of Insurance, Company Complaint Index (auto and homeowners, 2022 to 2025)
- Michigan Department of Insurance and Financial Services, Complaint Ratios (automobile and home, 2023 to 2025)
- Illinois Department of Insurance, Consumer Complaints Ratio Reports (2023 to 2025)
Checked 29 October 2026. Complaint records show only complaints filed with the regulator. They are one signal among many and do not rate claims handling, price or financial strength.